Mom, do we have money?

I grew up with my parents crying about poverty. However, I can’t blame them. My family is indeed poor. Even if they don\’t say it, I can still feel the poverty and bitterness. The extreme lack of material things caused me to develop three rules when it came to spending money when I grew up: 1. I am keen on bargains. 2. Keen on buying material things rather than buying experiences. 3. Don’t dare to make risky investments. After my financial ability gradually improved and my mind gradually matured, this symptom has been greatly improved. But I still feel that poverty is the biggest fear. This is also a common problem among many entrepreneurs who grew up in poverty. Money, they have it. However, they are still poor. That kind of insecurity deep in their hearts will make them regard making money as their top priority, and put everything else behind, or even ignore it. Only the abundance of money can make them forget the lack of soul and avoid seeing their own black hole. This Grandet-style greed does not stem from the joy of creation, but from the fear of scarcity. Everything is passive. controlled. Lack of freedom. This is not good. A life wearing golden shackles, although glittering, is in the final analysis a life of slavery. What is more terrible than poverty is the feeling of poverty. Poverty can be changed, but the feeling of poverty will follow you throughout your life. Today, you and I have gone through the era of abject poverty, and we should have saved our children from the feeling of deprivation. But the amazing thing is that many parents will artificially create the illusion of scarcity and keep their children in fear. For example, in a shopping mall, a child wants a toy, and his mother says, \”Our family is so poor that we can hardly afford the mortgage. You still want toys every day. Can you be smart?\” In a restaurant, grandma said to The child said: \”We can only eat a bowl of noodles. We have no money and cannot afford good food…\” The child wanted a pair of roller skates. The father said: \”I want them all day long. I am not the richest man in the world. How can I have the money to give them?\” You buy…\” \”No money, no money, no money!\” \”I\’m so poor, I\’m so poor, I\’m so poor!\” Is it true that I have no money? no. It\’s because adults have no money in their hearts. They project this worry, anxiety, and unhappiness onto their children, hoping that their children will repeat a similar fate. What is the result of this? If a child gets this kind of information for a long time, he will feel in his bones: My family is too miserable, too short of money, too humble, too gloomy, I am really inferior, no one will respect me and love me… He is obsessed with this. , you will not be able to experience more advanced needs. Maslow\’s need theory tells us that people can advance to higher levels only after satisfying low-level needs. If you can\’t get material things, you will keep asking for material things. If you can\’t get money, you will always pursue money. In this way, it will lead to a phenomenon: the body is poor for a while, and the mind is poor for three generations. At this point, some readers will definitely think: Oh, you can’t cry poor, so you must give. wrong. Note (knock on the blackboard and highlight the important points): Parents who are afraid of poverty will have two extreme behaviors, one is crying about being poor, and the other is desperately showing off their wealth. Crying about poverty will destroy children by fear; showing off wealth will destroy children by laziness. After many poor people have some savings, they spend it lavishly, hoping that their sons will live like parasites. \”Son, daddy has a lot of money!\” \”My dear daughter, our family lives in a big villa.Porsche, we are rich people, you don’t have to work hard at anything, just have fun…\” \”Baby, mom and dad have made a lot of money, you just need to live happily…\” This state satisfies the child However, it did not stimulate the child\’s motivation to grow. He could not learn to be responsible for his own life. He could not learn how to work hard. His desire to create and strive was suppressed by his parents\’ \”We have money, you don\’t have to work hard.\” It was blocked. So, all that was left in his life was money. Money became the only proof of value. Since it is the only one, it must be displayed desperately. There was once a popular video on the Internet, a primary school student born in the 2000s Showing off his bags in front of the camera: “You poor people, do you see that? This bag of mine was bought by my mother in Korea. It costs 90,000 yuan. Can you afford it? Poor guy, I\’ll kill you with my money… This is my sister\’s arrogance…\” It makes people laugh and cry. But in reality, are there few? No, there are a lot. There are quite a few around you and me. Who caused it? Parents are certainly responsible. But when asked, the parents of such children have simple thoughts: love. \”I make money just to give my children a better life…\” \”I gave birth to him, and I want to give him the best of everything!\” \”Unfortunately, the real \”best of everything\” is not material, but conceptual. Trump has done a very good job at this point. Before he was elected president, he was a famous real estate tycoon in the United States with assets of tens of billions of dollars. , even if he retires soon, he will be as rich as the country, and his children will have good food and clothing all their lives, and they will have nothing to worry about. However, did Trump continue to \”give, give, give\” like some parents in China? No. How did he do it? ?At a very early age, he said to the children: You are my child, and I will raise you. But you have to understand that my money is my money. If you want money, earn it yourself. In other words, He only provides tuition and basic living expenses, and the children have to support themselves for other expenses. For example, if Ivanka wants an iPhone 7, an LV, or wants to go to a bar with her circle of friends, she must find a way to earn it herself. This is not Because Trump is stingy, but because he wants his children to understand: 1. Dad is very rich. 2. But dad’s money belongs to dad; 3. Dad’s money is earned through wisdom, resources and hard work; 4. If you want to have money, you have to work hard to get it. After obtaining this information, the child will understand: the father is strong, the family is rich, I am safe, and do not have to worry about poverty and scarcity. But if I want to have If I have a lot of wealth, I cannot rely on my father. I have to take charge of my own life and work hard on my own. If this happens, he will be motivated to face life and his own future positively. There is a Chinese saying As the old saying goes, \”It is better to teach a child not to fish than to teach him to fish.\” That is, it is better to give a child material things than to give him financial intelligence; to give a child money, it is better to teach a child to make money. Only spiritual wealth will benefit the child throughout his life. Also because Several of Trump’s children are excellent at this kind of education. Back to ourselves. Parents should not cry poverty to their children, nor should they show off their wealth. So, how should parents cultivate their children’s financial intelligence? First, be honest with their children talk about money. When a child asks: “Mom, is our family rich? \”You can tell him: \”Dear baby, we are not rich yet, but we still have a certain amount of money. This money is enough to satisfy our family\’s life and enough to send you to school. you do not need to worry. I believe that with the efforts of my parents and you, our family will become richer and richer. By the way, if we learn to manage money, we will have more wealth…\” Second, let the children manage their own finances. Set up a small account for the children every week (or every day, every month, depending on the family income and the children\’s expenses) (Depending on the situation) Give him a certain amount of money and let him arrange his own spending. If he wants to buy snacks, toys, play games… let him spend it from his own small treasury. If the money is spent, the parents don\’t have to worry about it until the fixed date. Then give out pocket money. Repeat this, and he will slowly learn to manage money. Only by managing his own cash with his own hands can children learn to budget, spend money wisely and understand the meaning of delayed gratification. If the child is younger, only three At the age of four, you can teach him about currency and play money-making games together. In the game, he can experience where money comes from? What is the use of money? How can we make money? Third, encourage them to invest. Depending on the child\’s ability, set them up Money-making challenges with different difficulties. For example, when he is four or five years old, he wants a box of candy. A box of candy costs 10 yuan. You can give him 9 yuan and let him find a way to earn the other 1 yuan. Of course, the child at this time There is no concept of making money, so you should provide N ways and accompany him to try it. When he grows older and he wants a new bicycle, you can give him half of the money and let him find his own way with the other half. Likewise , parents should not stay out of the matter, but should lead him to discover business opportunities and accompany him to make money. When his ability becomes stronger and he can take responsibility for himself, let him discover investment opportunities by himself, and invest and operate them by himself. You must learn to withdraw at this time. , watch calmly, and only provide early financial support when he needs it (the funds need to be returned), and at the same time tell him: \”Mom and dad are behind you. If you encounter difficulties, tell us immediately and we will find a solution together!\” \”Please click here to enter image description IV and tell a reliable money-making story. There are many stories of getting rich in this world. However, too many stories are about windfalls, pie-in-the-sky, and daydreams. For example , the child dropped a broken ax into the river, and did not invest any talent or time. As a result, the grandfather impulsively gave him a golden ax. Aladdin accidentally walked into a cave and obtained the magic lamp, so there These stories are not only useless, but also harmful. They will make children indulge in hallucinations, place their hopes on miracles, and always hope that some accident will happen and make them suddenly rich, and they will become lazy with peace of mind from then on. What you want to tell your children are stories about slowly gaining wealth through your own efforts step by step. Only through these stories can they truly understand the importance of hard work, the wisdom of making money, and the satisfaction of labor. 5. Telling about gaining wealth When speaking, don’t exaggerate the vanity that wealth brings to people, but focus on the happiness and sense of accomplishment in creating value. Making money is indeed to support the family. But more importantly, doing the work you like is the most important thing in life.One of the happiest things. When we devote ourselves to something we love, the creative joy it brings means far more than making money. For example, Facebook founder Mark Zuckerberg is the youngest billionaire in the world. But before he got married, he still lived in a rented small apartment with one bedroom and one living room. There was a mattress, two chairs, and a table on the floor, which was all the furniture. His breakfast usually consists of a bowl of cereal. Every day, he walks or rides his bicycle to work. Zuckerberg doesn\’t care about material luxury, because the sense of accomplishment that creation brings him is far greater than money. Sixth, use experience and sharing instead of material rewards. Many Chinese parents like to reward their children with material things, such as: \”If you score 100 points on the exam, I will give you a big box of chocolates!\” \”Here, mop the floor clean, and I will give you 10 yuan.\” \”Help.\” Mom is cooking, I will buy you a new skirt…\” Financial education is very important. However, it will be counterproductive for parents to use material rewards at home to recognize their children\’s efforts in academics and housework. When studying and helping his parents become a way to make money, he will no longer be able to appreciate the joy of learning and the satisfaction of labor. If things go on like this, it will lead to a bad habit. \”Why should I get 100 points in the exam, and you won\’t give me any money!\” \”I can help you get the express, but you have to give me 10 yuan…\” The correct approach is to let the children learn and work, Get natural happiness. You can tell your child: \”Shall we clean together?\” You do the main work, and he does the part he can, as long as he participates. After the two of them clean the room together, they can feel the cleanliness, warmth, and comfort brought by labor with their children, and then use the free time to play with them or go outdoors to participate in activities. The same goes for learning, which makes him feel the satisfaction of gaining new knowledge and the joy of growing up. If he does a really good job, it\’s best not to reward him with expensive material things, but with interesting experiences. For example, go traveling with your children, go to his idol’s concert together, help poor children or lonely elderly people together, hold family gatherings together, and invite his friends to participate…